JACK Private
Buy with the numbers done before you make an offer.
We calculate the total cost, review the property's risks and negotiate with you, wherever you live. We charge only the buyer.
No third-party commissions
No banks, no suppliers. Nothing hidden.
5 % + VAT, by contract
Fixed with the purchase estimate before we start.
When we are not your best option
If we are not a fit, we tell you before charging.
Purchase simulator
What it really costs to buy a flat.
Move the price and see taxes, notary, registry and our fees in a single total.
Assumptions: home in Catalonia, purchase without a mortgage. Taxes according to Catalan rules consulted on 30 October 2026. Notary, registry and agent fees are estimates. This is a simulation, not a quote.
What you pay to third parties
You pay taxes, notary, registry and the agent directly. We take no commission from any of them.
What it doesn't include
Mortgage (valuation, opening fee), NIE and TIE, property tax (IBI), community fees, utilities, insurance or renovations. Each case is calculated with your data in the feasibility study.
The ITP is calculated on the higher of the deed price and the cadastral reference value, which may be higher. Rates and the conditions for the reduced rate must be confirmed with the agent before deciding. Sources: Guía Fiscal, updated 17-08-2026; El Español, 11-04-2026; Costa Luz Lawyers, 2026.
Mortgage calculator
What you'd pay each month, and what you need on signing day.
Uses the same price as above. Change the down payment, term and interest rate to see the instalment and the cash you need on hand.
Starting values are an example, not an offer from any bank. Each bank decides how much it lends and at what rate, and may lend less to non-residents. We calculate it with your data in the feasibility study.
Doesn't include mortgage costs (valuation, fees and loan paperwork) or our fees, which are paid in phases. This is a simulation, not a quote.
The process, in five steps
Interview and getting to know you
We know what you want, and what you rule out, before visiting anything.
- First interview with the property side and the legal side
- Questionnaire on your interests and needs
- Interactive session: what you want, what defines you, what you rule out
Legal and financial preparation
You reach the offer with financing and taxes already calculated.
- Financial feasibility with all the resulting costs
- Calculation of the taxes you would pay in your case
- Mortgage pre-approval when needed
- Opening a bank account and anti-money-laundering protocol
- NIE and TIE with our lawyer, separately
Shortlist, property sheets and visits
Less noise, more properties that fit.
- Search with tools that filter the market and the area
- One sheet per property: data, visual material, unique features and comments
- Visits with you, in person or virtual if you're abroad
Selection and closing
You choose with the technical and legal study already done.
- Technical and legal study of the chosen property
- Offer, negotiation and deposit contract (arras)
- Review of the tax side and of the mortgage if there is one
Deed, handover and after-sales
The work doesn't end on signing day.
- Support through the deed and registration
- Closing report with what was saved and the risks avoided
Payments follow the process
Each payment is tied to a milestone. The detail, with a calculator, is under Fees.
See feesBefore making an offer
What we check in the property you choose.
Each point is a common risk. If something fails, you'll know before signing the deposit contract.
Title
Who the real owner is and whether they can sell.
Encumbrances
That it is free of mortgages, seizures or other charges.
Real floor area
Real square metres against the registered ones, with the general plans.
Planning restrictions
Whether planning limits what you will be able to do.
Unregistered buildings
Works or extensions that are not in the Registry.
State of the building
Condition of the common areas, pending special assessments and the ITE (Technical Building Inspection).
Legal review of each case with the lawyer. It does not replace their opinion.
What's included and what isn't
Each service, with its status in plain sight.
Financing
IncludedAnalysis of financial capacity, cost calculation and pre-approval. We put you in touch with an independent financial provider who coordinates the whole process with the banks for you. You decide.
House of Jack takes no commission from banks or from the provider. If the provider charges you anything, we tell you before starting.
Bank account and anti-money-laundering
IncludedWe help you open the bank account and run the anti-money-laundering protocol.
NIE y TIE
Separate · lawyerHandled by our lawyer. Roughly between 1.000 and 2.000 € depending on the case, which he quotes. You can use your own lawyer if you prefer.
Indicative figure, pending confirmation from the lawyer.
Additional documentation
Separate · quoted by the lawyerAny document or legal procedure beyond the purchase is quoted before starting. Nothing is done without your approval of the price.
Total cost, registry and notary
Calculation includedWe calculate the whole cost (ITP or VAT, IBI, non-resident tax, wealth tax, registry, notary and bank costs) and coordinate the registration in the Registry.
Taxes and their filing are the client's responsibility. You pay the notary, registry and bank costs directly.
Utilities and insurance
Not includedChanging the electricity, water and gas accounts and taking out insurance are not part of the fees.
Where the properties come from
Bank portfolios, seizures, auctions and off-market network, only as a search source for you. We don't market them or charge third-party commission. Each source has risks (financing, visits, occupancy, timing) that we explain before visiting.
What we don't promise
We don't promise returns or capital gains. We show you scenarios with their assumptions, never results. Visas, rental management and post-purchase marketing are outside the offer.
What we require from you
Complete financial documents and quick decisions. Without your complete financial documents we cannot give you a reliable shortlist.
What we don't do
We don't take exclusive listings or sell bank portfolios. Our own developments, explained under Developer, are sold separately and without advisory fees. Anyone who wants to buy without advice is referred to a third party, with no commission.